Go all out on your holiday shopping!

Go all out on your holiday shopping!

Get extra cash for your holiday shopping. Convert your available credit limit to cash with add-on rate as low as 0.60%, payable up to 36 months.
To avail, call our 24/7 Customer Hotline at (632) 8818 9818 or email PNBCreditCards@pnb.com.ph.

CONVERT-TO-CASH PROMO – Holiday Run

1. The Convert-to-Cash (C2C) Program is open to all principal PNB Credit Cardholders under current and active status of the following cards:  
    

   • PNB Ze-Lo Mastercard
   • PNB Essentials Mastercard
   • PNB Platinum Mastercard
   • PNB Cashback Titanium Mastercard
   • PNB-PAL Mabuhay Miles NOW Mastercard
   • PNB-PAL Mabuhay Miles Platinum Mastercard
   • PNB-PAL Mabuhay Miles World Mastercard
   • PNB-PAL Mabuhay Miles World Elite Mastercard
   • PNB–The Travel Club Platinum Mastercard
   • PNB–La Salle Greenhills Alumni Association Platinum Mastercard
   • PNB–Alumni Association of Xavier School Platinum Mastercard
   • PNB–Immaculate Conception Academy Alumnae Association Platinum Mastercard
   • PNB Visa Classic
   • PNB Visa Gold
   • PNB Alturas Visa
   • PNB Diamond UnionPay
   • PNB JCB Platinum

   
   
   Business, Corporate, and Personal Installment Cards are excluded from this promotion.  

    

2. Promo period is from September 15, 2026 – January 31, 2027.  

3. The following are the eligibility criteria and applicable rates:
   
   Minimum amount required for conversion is Php 5,000.
   Schedule:
    

    

   Term	Rate	Factor Rate	Effective Monthly Interest	Effective  Annual  Interest Rate	Processing Fee (Php)
   3	0.70%	0.3403333	1.04637%	12.556%	250.00
   6	0.70%	0.1736667	1.18830%	14.260%	250.00
   12	0.60%	0.0893333	1.08619%	13.034%	250.00
   18	0.60%	0.0615556	1.10261%	13.231%	250.00
   24	0.60%	0.0476667	1.10547%	13.266%	250.00
   36	0.60%	0.0337778	1.09783%	13.174%	250.00

    

    

4. Principal cardholders may request for participation in the Program via the following channels:

    

   • By calling PNB’s Customer Service Hotline at (+632) 8818 9818 or DTF 1800-10-818-9-818.
   • By sending an email to PNBCreditCards@pnb.com.ph using their registered email address and request for Convert-to-Cash with the following requirements and information:
      
     • Complete name
     • 16-digit PNB credit card number
     • Registered mobile contact number
       
        
5. A PNB Telemarketing Specialist will reach out to the Cardholder for confirmation of the request.
6. PNB shall have absolute and exclusive discretion to approve or reject the Convert-to-Cash request.
7. The Cardholder shall be responsible for following up with PNB regarding the status of his/her application. Cardholder may follow up the status of his/her application by calling PNB’s Customer Service Hotline at (+632) 8818 9818.
8. There will be a processing fee of Php 250 for every approved Convert-to-Cash application, which will be automatically charged to the cardholder’s credit card account upon posting of the first monthly installment.
9. Convert-to-Cash applications will be processed within 5-7 banking days.
10. In case of insufficient credit limit, PNB has the sole discretion to determine and approve the amount to be converted.

11. Proceeds of Convert-to-Cash application can be released through the following:
    
     

    • For PNB Accountholders, PNB shall credit the approved Convert-to-Cash amount to the nominated Peso Current / Savings account specified in the application Form. The account must be under the name of the Convert-to-Cash applicant.
    • For non-PNB Accountholders, PNB shall transfer the approved Convert-to-Cash amount to their specified bank account. The bank account name and the cardholder’s name in the PNB Credit Card database must match. Appropriate charges may apply. Release of proceeds to non-PNB Accountholders processed via the PNB Digital App is currently not available.
       

     

12. The total installment transactions made on the PNB Credit Card inclusive of interest rate must not exceed the cardholder’s available credit limit at the time of the Convert-to-Cash application. In case of insufficient credit limit, PNB has the sole discretion to determine and approve the amount to be converted.
13. The Convert-to-Cash amount (inclusive of the applicable interest) shall be earmarked from the cardholder’s available credit limit at the time of approval.
14. All Convert-to-Cash requests shall not earn rewards points.
15. The monthly installment amount shall be posted as a regular transaction on the statement of account and shall form part of the total amount due. Should the Cardholder choose to pay only a portion of the total amount due but not less than the minimum amount due, the monthly installment shall be subject to the regular finance charges.
16. A Cardholder may request to charge the full amount of the remaining unbilled amortization subject to PNB’s approval. A processing fee of 5% of the remaining unbilled principal or Php500, whichever is higher, shall be charged to the cardholder’s account. The remaining unbilled principal together with the interest for the current month plus the applicable fees will form part of the outstanding balance and subject to monthly finance charge if not fully settled on or before the due date.
17. Failure to pay two (2) consecutive minimum amount dues shall constitute default and the total outstanding balance shall immediately become due and demandable.
18. Cardholder acknowledges his/her liability to PNB under the Convert-to-Cash Program and the same shall form part of the cardholder’s obligation to PNB.
19. The Terms and Conditions governing the issuance and use of PNB Credit Cards are incorporated herein by reference and made an integral part hereof. 
     

Per DTI Fair Trade Permit No. FTEB-266540, Series of 2026